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Finding the cheapest car insurance quotes in Mountain Home shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Mountain Home
The car insurance rate in Mountain Home is $694 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Mountain Home can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $364 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $383 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $383
for six months, making it
the third cheapest auto insurance company in Mountain Home.
Mountain Home Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mountain Home, TN is AutoOwners Insurance Co, offering policies at just $364 for a six-month term. This is followed by Erie, which has an average six-month premium of $383.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1161 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mountain Home drivers find the best deals.
Cheap Car Insurance Companies in Mountain Home, TN
Way's key takeaways about car insurance in Mountain Home
The auto insurance costs in Mountain Home fall around $364 for six
months.
The cheapest auto insurance company in Mountain Home is Westfield.
Teen drivers pay the highest rate in Mountain Home at $41 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mountain Home
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Mountain Home are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Mountain Home. Their Average 6 Month Premium is $116.
AutoOwners is the most
expensive at $167 for the same
period.
Cheapest Full Coverage Car Insurance in Mountain Home
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Mountain Home is AutoOwners Insurance Co
at $60 per month and $364
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mountain Home,
TN
Get Your Car Insurance Quote in Mountain Home
Instantly!
Average Car Insurance in Mountain Home by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Mountain Home, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mountain Home, Tennessee, may be increasing due to several external factors.
Tennessee has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Mountain Home's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mountain Home
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Penn National
$515
30s
Penn National
$354
40s
Penn National
$321
50s
Penn National
$298
60s
Penn National
$312
70s
Penn National
$359
Cheapest Car Insurance Rates for Teen Drivers in
Mountain Home,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Mountain Home at $23
per
month. At $242 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties Penn National is
the best choice for car
insurance in Mountain Home.
As young drivers face the highest rates in Mountain Home, Penn National
offers the cheapest auto insurance rates at $515 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Mountain Home,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $162 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Mountain Home is Erie, offering
rates of around $318 for six
months.
Save up to $971/yr on car insurance rates in Mountain Home.
Car Insurance Rates with An Accident in Mountain Home
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Mountain Home, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mountain Home
The cheapest car insurance companies after an at-fault accident in
Mountain Home include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $141
and $146,
respectively. Grange is an expensive provider
with an average six-month premium of
$273.
Here is a list of driving violations that can increase your car
insurance rates in Mountain Home TN. For example, the car
insurance in Mountain Home
after a DUI increases to $843 for a six
month policy. While the rate increases by $162 for a six-month policy in the case of
a speeding ticket.
Mountain Home auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$843
$140
Not-at-fault accident
$848
$145
One Med/PIP claim
$853
$142
One comp claim
$864
$147
Two comp claims
$874
$145
Two Med/PIP claims
$874
$149
Failure to wear a seat belt
$969
$162
Failure to show documents
$984
$167
Child safety restraint
$989
$165
Driving without lights
$989
$168
Cell phone violation
$1005
$167
Driving with expired registration
$1005
$171
Speeding 6 - 10 MPH over limit
$1005
$167
Driving too slowly
$1010
$172
Speeding 11 - 15 MPH over limit
$1010
$168
Speeding in school zone
$1010
$172
Failure to yield
$1015
$169
Following too closely
$1015
$173
Illegal turn
$1015
$169
Speeding 16 - 20 MPH over limit
$1015
$173
Texting while driving
$1015
$169
Improper passing
$1025
$174
Wrong way/wrong lane
$1025
$171
Failure to stop at a red light
$1030
$175
In 65 MPH zone
$1046
$174
Speeding 21 - 25 MPH over limit
$1070
$182
At-fault accident - less than $1000
$1085
$181
Passing school bus
$1085
$184
Operating a vehicle without permission
$1151
$192
Open container
$1161
$197
At-fault accident - $1000-$2000
$1252
$209
At-fault accident - greater than $2000
$1252
$213
Reckless driving
$1580
$264
Racing
$1585
$269
Driving with a suspended license
$1626
$271
Refusal to submit to a chemical test
$1656
$281
DUI
$1686
$281
Leaving scene of an accident/hit and run
$1686
$286
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Mountain Home after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Mountain Home.
The cheapest car insurance premiums in
Mountain Home are
offered by Tennessee Farm Bureau at $222 for a six-month policy.
However, it can be as
expensive as $1393 with companies
like Allstate.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Mountain Home are offered by Westfield
at $136. However,
it can be as expensive as $232
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Mountain Home after Speeding ticket
Car Insurance Price Trends in Mountain Home,
Tennessee
Car insurance rates in Mountain Home have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mountain Home remained steady at $82 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Mountain Home remained steady at $31 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Mountain Home by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mountain Home. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Mountain Home?
The car insurance in Mountain Home is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Mountain Home?
The cheapest car insurance in Mountain Home
is $60 per month
for full coverage.
How much is car insurance in Mountain Home for teenagers?
Car insurance for teenagers costs $136 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Mountain Home?
The average cost of car insurance is $816 for a six-month
policy. It will cost around $116 per month to insure your
car in Mountain Home.
Is car insurance expensive in Mountain Home?
Car insurance can be expensive in Mountain Home if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mountain Home can be
affordable.
What is the best car insurance in Mountain Home,
TN?
The best car insurance company in Mountain Home
TN is
AutoOwners Insurance Co, offering $364 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mountain Home, TN
Car Insurance Rates by State in the USA (2025 Update)
Mountain Home Car Insurance
